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Hidden Pension Benefits for Grandparents and Relatives

Unlock an extra £3,600 in State Pension

Did you know grandparents, aunts, uncles and other family members can claim extra National Insurance (NI) credits for helping care for children?

These credits can add up to £3,600 per year on your state pension!

Who qualifies?

  • Parents who don’t live with the child
  • Grandparents, great-grandparents, or great-great-grandparents
  • Siblings, half-siblings, step-siblings
  • Aunts and uncles

How much can you get?

  • Each year of care equals 1/35th of the full state pension (currently £203.85 a week)
  • Claim for every year since 2011-12 and potentially get an extra £3,600 a year on your pension!

How to claim:

  • Gather information: child’s parent/carer’s full name, date of birth, address and NI number.
  • Fill out the application form (available online) and have the parent/carer sign it.
  • Print and send the completed form to HMRC.

No minimum care hours or paperwork needed! Even care provided remotely during lockdowns counts.

Don’t worry, claiming won’t harm the child’s parent’s pension. The credit is ‘spare’ because they’re working or already building their pension.

Bonus tip: If parents don’t claim child benefit due to the ‘high income child benefit charge’, they can still claim the NI credit for you!


  • HMRC only accepts applications after October 31st of the financial year in question.
  • Processing can take months, but it can be worth the wait!

CLICK HERE for more information and the application form.

Folkes Worton LLP Chartered Accountants
Accounting for the Future